Free Tool
Income Tax Calculator
Get a quick, high-level estimate of your monthly take-home pay and annual income tax, based on your salary, retirement contributions and medical aid.
Your details
Enter your income details
Travel allowance is excluded, as it requires logbook and business/private km calculations.
This calculator gives a high-level estimate only. It does not replace formal tax advice or a SARS assessment, contact us for a detailed calculation.
Estimated monthly net salary
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Annual gross income
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Taxable income
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Retirement deduction allowed
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Medical tax credit
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Annual tax payable
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Monthly PAYE estimate
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The monthly net estimate deducts estimated PAYE, retirement contributions and medical aid contributions from monthly gross income. Cell phone and other normal allowances are treated as fully taxable.
Frequently Asked Questions
Understanding the different parts of your income tax calculation.
What counts as annual salary or basic remuneration?
This is your total guaranteed annual pay before tax, such as your basic salary or cost-to-company package, excluding bonuses, commission or one-off payments, which can affect your tax position differently.
Why are cell phone and other allowances included, but not travel allowance?
Cell phone and similar allowances are generally fully taxable, so they're simply added to your income. A travel allowance is taxed differently and requires a logbook and business versus private kilometre split, which this quick calculator doesn't attempt to estimate.
How does the retirement contribution deduction work?
SARS allows you to deduct retirement fund contributions, up to the lower of your actual contribution, 27.5% of your gross remuneration, or an annual cap of R430,000. This deduction reduces your taxable income before tax is calculated.
What is the difference between taxable income and gross income?
Gross income is your total salary and allowances before any deductions. Taxable income is what's left after allowed deductions, such as retirement contributions, and is the amount SARS actually applies the tax tables to.
What is the age rebate, and why does my age band matter?
SARS gives every taxpayer a primary rebate that reduces the tax you owe, with additional secondary and tertiary rebates for taxpayers aged 65 and older. Selecting the correct age band ensures the right rebate is applied to your estimate.
How is the medical tax credit calculated?
SARS provides a fixed monthly tax credit for each medical aid member on your policy, which directly reduces the tax you owe rather than your taxable income. The credit increases with the number of members on your medical aid.
What's the difference between annual tax and monthly PAYE?
Annual tax is your total estimated income tax liability for the year. Monthly PAYE is simply that annual amount spread evenly across 12 months, which is roughly what would be deducted from your salary each month by your employer.
How accurate is this calculator?
This tool gives a high-level estimate based on standard tax tables, rebates and medical credits, but it doesn't account for every individual circumstance, such as fringe benefits, other income sources or specific deductions. For an accurate, personalised calculation, contact us directly.